Decent Balance Transfer Cards?

chalupaman · ‎01-02-2015

Just wanna know what are some of the really go to BT cards out there that give decent limits. I'm thinking about getting something to transfer a few of my balances onto so I can pay them off that way later this year. Thanks!

My debt to credit ratio right now is around 5% I know, but I still have some balances that I'd really like to pay off at a lower interest rate.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

CreditCuriosity · ‎01-02-2015

You like chase and chase likes you, so why not the slate?

chalupaman · ‎01-02-2015

@CreditCuriousity wrote:
You like chase and chase likes you, so why not the slate?

Good point. I think my AARP still has that promo on BTs. ED card last time I checked had something but I don't wanna scare Amex like that. Still wanted to know other alternatives so I can have my options open.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Creditaddict · ‎01-02-2015

Citi

BluePoodle · ‎01-02-2015

Discover usually offers BT's. But I would only use it if you are not currently carrying a balance on your Discover card.

Gunnar419 · ‎01-02-2015

Ditto on Discover, but for the last year or so my Sallie Mae MC has offered better BT terms than any of my other cards, and it's been offering me three or four different sets of terms with various time limits and fees.

If Chase likes you then I'm sure Slate would be a good BT card. Everybody's always recommending it as the best, but Chase isn't so fond of some of us & I wish I knew why. Personally I can get approved, but can never get a CLI from them without an HP.

Anonymous · ‎01-02-2015

Barclays and Discover seem to love BTs.

CreditCuriosity · ‎01-02-2015

@Anonymous wrote:
Barclays and Discover seem to love BTs.

Only problem with Discover you might get a Crud limit.. They are all over the place with initial SL's or credit... They seem to like thinner files as well for higher SL's. I just don't have much faith in a decent SL with them

Anonymous · ‎01-02-2015

Describe a crud limit, lol.

I think they gave me personally a very decent limit considering my EQ sucked (And still does) at the time of app.

Anonymous · ‎01-02-2015

@Gunnar419 wrote:
Ditto on Discover, but for the last year or so my Sallie Mae MC has offered better BT terms than any of my other cards, and it's been offering me three or four different sets of terms with various time limits and fees.

If Chase likes you then I'm sure Slate would be a good BT card. Everybody's always recommending it as the best, but Chase isn't so fond of some of us & I wish I knew why. Personally I can get approved, but can never get a CLI from them without an HP.

Yeah but ... Barclay's likes you